Discover it® Student Cash Back

Rewards for College and Beyond

No annual fee Apply Now

Good Grade Reward

Get $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.7

5% Cash Back Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,6 grocery stores, restaurants, gas stations and when you pay using PayPal,8 up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases — automatically.

Unlimited Cashback Match

Only from Discover. Discover will automatically match all the cash back you've earned at the end of your first year!2 There's no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Free Social Security number alerts
We'll monitor thousands of Dark Web sites when you sign up.1 Learn More about alerts.

Phone alert Phone alert

Compare Student Cash Back Credit Cards

Table to compare Discover it® Student Cash Back with other cash back cards
Discover it student credit card
Discover it® Student Cash Back
Discover it® Student Cash Back Capital One Journey Student Rewards Credit Card Bank of America Cash Rewards Credit Card for Students Citi Rewards+
Student Card
No Annual Fee

REWARDS

Discover it<sup>®</sup> Student Cash Back
Capital One Journey Student Rewards Credit Card
Bank of America Cash Rewards Credit Card for Students
Citi Rewards+
Student Card
Get $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.7

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically 2

See issuers' websites for their new cardmember bonuses.

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,6 grocery stores, restaurants, gas stations and when you pay using PayPal,8 up to the quarterly maximum when you activate. 

Plus earn 1% cash back on all other purchases

See rewards for compared cards

See For Yourself

‡Cash back rewards – Capital One Journey Student Rewards Card: 1% on all purchases. Bank of America Cash Rewards Credit Card for Students: 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% at grocery stores and wholesale clubs, 1% on all other purchases. Citi Rewards+ Card: 2% at Supermarkets & Gas Stations (for the first $6,000 per year and 1% thereafter) 1% on all other purchases. Round up to the nearest 10 points for every purchase and 10% points back on the first 100,000 points redeemed per year.

Chart comparisons conducted by an independent research firm and based on competitor info compiled in June 2020.

Benefits that students can appreciate

Switch your account on/off in seconds.

No problem, just use Freeze it® to freeze your account to prevent new purchases, cash advances and balance transfers if you misplace your card.4

Do you know your credit score?

Lenders do and now you can, too. Get your FICO® Credit Score for free on monthly statements, online and mobile.5

Learn More

Breathe easier.

Because we monitor every purchase, every day for suspicious activity. And, you're never responsible for unauthorized purchases on your Discover card account.

At your service.

Our U.S.-based customer service is here to help when you call—not to waste your time selling you other products.

Tap to pay.

It’s fast and easy to pay with your contactless Discover Card at millions of places.

  • 0% Intro APR for 6 months on purchases.

  • Then 12.99% - 21.99% Standard Variable Purchase APR will apply.

About Discover Student Credit Cards

Discover offers convenient email and text alerts to help you know when payments are due.

When you graduate, call us to update your income and information, so we can see if you’re eligible for an increase to your credit line.

You'll still keep all the same rewards and benefits on your credit card. You may also be eligible for a credit line increase.

Discover it® Student Cash Back credit card

Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by  then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by  and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

  1. Discover® Identity Alerts are offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experian® credit report and an alert when a new inquiry or account is listed on your report; (b) daily monitoring of thousands of Dark Web sites known for revealing personal information and an alert if your Social Security number is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. To see a list of Frequently Asked Questions, visit discover.com/freealerts.

  2. Cashback Match: Only from Discover, as of June 2020. We'll match all the cash back rewards you've earned on your credit card from the day your new account is approved through your first 12 consecutive billing periods or 365 days, whichever is longer, and add it to your rewards account within two billing periods. You've earned cash back rewards only when they're processed, which may be after the transaction date. We will not match: rewards that are processed after your match period ends; statement credits; rewards transfers from Discover checking or other deposit accounts; or rewards for accounts that are closed. This promotional offer may not be available in the future and is exclusively for new cardmembers. No purchase minimums.

  3. Redeem Any Amount Any Time: We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months. See rewards terms and conditions.

  4. Freeze it®: When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, delayed authorizations (such as some transit purchases), payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

  5. FICO® Credit Score Terms: Your FICO® Credit Score, key factors and other credit information are based on data from TransUnion® and may be different from other credit scores and other credit information provided by different bureaus. This information is intended for and only provided to Primary account holders who have an available score. See Discover.com/FICO about the availability of your score. Your score, key factors and other credit information are available on Discover.com and cardmembers are also provided a score on statements. Customers will see up to a year of recent scores online. Discover and other lenders may use different inputs, such as FICO® Credit Scores, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

    If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visit Discover.com/FICO.

  6. Use Rewards at Amazon.com: For complete details on how to Pay with Cashback Bonus at Amazon.com see Amazon.com/Cashback Bonus. Amazon is not a sponsor of this promotion. Amazon, the Amazon.com logo and the smile logo are trademarks of Amazon or its affiliates.

  7. Good Grade Rewards: Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover it® or Discover it® Chrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 statement credit ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.

  8. PayPal: PayPal, the PayPal logo are trademarks of PayPal or its Affiliates. Listed merchants are in no way sponsoring or affiliated with this program.

  9. Reviews: Discover it card's average "Overall Rating" based on reviews by cardmembers as seen at https://www.discover.com/credit-cards/student-it-card/reviews/